昨日，中国人民银行营业管理部透露的数据显示，6月，北京市金融机构人民币存款增加2038.6亿元；与此同时，当月人民币贷款增加328.1亿元。由于新增存款规模的大幅增长，6月北京市金融机构人民币增量存贷比低至16%。

yesterday，The people's bank of China business management department revealed figures show，June，Beijing financial institutions RMB deposits of up to $203.86 billion；At the same time，That month renminbi loans of up to $32.81 billion。Because of the size of the new deposits a sharp increase，June Beijing financial organ renminbi incremental deposit-loan ratio down to 16%。

　　统计显示，6月末，北京市金融机构人民币存款余额7.56万亿元，比年初增加2887.9亿元。而在6月一个月，增量就达到2038.6亿元，占上半年总增量的70%。

Statistics show that，6 month，Beijing financial institutions RMB deposit balance of 7.56 trillion yuan，More than at the beginning of 288.79 billion yuan。In June a month，Delta will achieve 203.86 billion yuan，Accounting for 70% of the total increment in the first half。

　　具体来看，新增的2038.6亿元中，单位存款当月增加1008.3亿元，个人存款当月增加951.3亿元。而5月北京地区的个人存款却是减少76.2亿元。

Specific to see，The new 203.86 billion yuan，Units that month deposits of up to $100.83 billion，Personal savings that month an increase of 95.13 billion yuan。And may the Beijing area personal savings is reduced 7.62 billion yuan。

　　“一方面，6月季末因素影响，银行加大了负债业务的营销力度。”分析人士称，另一方面，利率市场化在6月突然加速，绝大部分中小银行上浮了存款基准利率。此外，大部分理财资金回流存款也是带动了个人存款的增长。

“On the one hand，6 month end of the influence factors，More business bank debt marketing efforts。”Analysts say，On the other hand，Interest rate marketization in June in a sudden burst of speed，Most of the small and medium-sized Banks risen deposit rate。In addition，Most of the financial capital return deposit also led to the individual deposit growth。

　　新增贷款方面，上半年，北京市金融机构新增贷款表现中规中矩：6月末，人民币贷款余额3.55万亿元，比年初增加2064亿元，同比增长12.4%。

New loans，In the first half，Beijing financial institutions new loans quadrature performance：6 month，RMB loan balance of 3.55 trillion yuan，More than at the beginning of 206.4 billion yuan，Year-on-year growth of 12.4%。

　　事实上，北京地区6月存款大幅度增加，贷款适度增长的表现与全国的金融统计数据相吻合。央行统计数据显示，上半年人民币存款增加7.38万亿元，同比多增425亿元。6月份人民币存款增加2.86万亿元，同比多增9542亿元。

In fact，In Beijing on June deposits increased substantially，Moderate growth performance and loan national financial statistics are identical with each other。The central bank statistics show，In the first half RMB deposits of up to $7.38 trillion，Add up 42.5 billion yuan。June RMB deposits of up to $2.86 trillion，Add up 954.2 billion yuan。

　　上半年人民币贷款增加4.86万亿元，同比多增6833亿元。而6月份人民币贷款增加9198亿元，同比多增2859亿元。

RMB loans in the first half of up to $4.86 trillion，Add up 683.3 billion yuan。And in June the yuan loans of up to $919.8 billion，Add up 285.9 billion yuan。

　　“主要反映经济增速放缓背景下政策放松的效果。”在中金公司首席经济学家彭文生看来，一系列货币和财政政策的放松措施对信贷的供求产生了一定正面影响，促使6月份新增贷款在需求疲软的态势下较5月上升。

“Mainly reflects the economic slowdown in background policy relaxed effect。”In cicc chief economist PengWenSheng opinion，A series of monetary and fiscal policy measures to relax credit supply and demand produces a positive effect，In June to new lending in the weak demand situation at may rise。

　　交通银行(601328,股吧)首席经济学家连平认为，二季度是经济稳步探底的过程，三季度则是探底回升的过程。他预计，全年新增贷款8万亿至8.5万亿元，余额同比增长14.5%至15.5%。

Traffic bank(601328,Shares it)Chief economist even flat think，In the second quarter is the steady economic agents of the process，Three quarters of the agent is back in the process。He is expected to，New lending throughout the year 8 trillion to 8.5 trillion yuan，Balance year-on-year growth of 14.5% to 15.5%。

　　统计局日前公布的数据显示，上半年国内生产总值同比增长7.8%，二季度增长7.6%，跌破8%，这是时隔三年以后经济增长速度又一次回到8%以下。

Bureau of statistics has published data show，Gross domestic product in the first half year-on-year growth of 7.8%，Growth of 7.6% in the second quarter，Fell below 8%，This is after three years later the pace of economic growth and a return to below 8%。

　　彭文生认为，政策向“稳增长”倾斜的态势进一步明确。他预计，年内仍将有一次降息空间。7月资金面仍然紧张，月内降低存款准备金率的可能性大。

PengWenSheng think，Policy to“Steady growth”Tilt the situation further clear。He is expected to，Years there will be a rate cut still space。July financing area still nervous，Month reduce the possibility of the deposit reserve rate。

　　昨日，交行发布的研究报告也认为，年内不排除再次降息的可能。但其强调，不会形成持续大幅降息的局面。此外，为了通过数量型扩张促进市场利率下行，交行预计存款准备金率可能适度下调1至3次，每次0.5个百分点。

yesterday，In a research report published also think，Years of cut interest rates again did not rule out the possibility。But its emphasis on the，Won't form a continuous slash rates situation。In addition，In order to promote the market interest rates by quantitative expansion to the downside，In the deposit reserve rate is expected to moderate may cut 1 to 3 times，Every time 0.5%。